# Сопутствующие статьи по теме B2B

Новостной центр HTX предлагает последние статьи и углубленный анализ по "B2B", охватывающие рыночные тренды, новости проектов, развитие технологий и политику регулирования в криптоиндустрии.

Preferred Entry-Level License for Encrypted Payments: Canada MSB

An Introduction to Preferred Crypto Payment Licenses: Canada's MSB Canada's MSB license, regulated by FINTRAC under the PCMLTFA, is increasingly being evaluated by crypto payment projects seeking long-term, stable compliance, rather than just an initial regulatory tool. Unlike the U.S. MSB, which is often used for its speed and lower initial cost, the Canadian MSB represents a substantive regulatory commitment from the outset. It requires a fully built AML/CTF system before launch, imposes ongoing KYC and reporting obligations, and involves real enforcement risk. This license is not a simplified alternative but a clear compliance choice suited for projects focused on B2B payments, cross-border settlements, stablecoin transactions, and long-term operational stability. It offers advantages like higher acceptance from compliant banks, a unified national regulatory framework avoiding state-by-state complexities, and greater tolerance for well-defined business models. Ideal candidates are businesses where compliance is integral to credibility, such as B2B crypto platforms, stablecoin payment solutions, and financial infrastructure projects. The core distinction is between seeking speed and initial validation (U.S. MSB) versus pursuing stable, long-term compliance (Canada MSB). Ultimately, the Canadian MSB forces a fundamental question: is the project prepared to operate crypto payments as a legitimate financial service?

marsbit01/21 08:42

Preferred Entry-Level License for Encrypted Payments: Canada MSB

marsbit01/21 08:42

Alibaba Invested in a Latin American Stablecoin Company, Why VelaFi?

VelaFi, a financial infrastructure platform focused on Latin America and bridging fiat and crypto, has raised $20 million in a Series B round, bringing its total funding to over $40 million. Notably, the investment round included participation from Alibaba Investment, a subsidiary of Alibaba Group. Alibaba's investment is strategic, as VelaFi's stablecoin-based infrastructure enables instant, low-cost cross-border settlements. This addresses key pain points of high fees and slow processing times, aligning with Alibaba's goals for its AliExpress and B2B platforms in emerging markets. The funding was co-led by XVC and Ikuyo, with participation from other firms. VelaFi, part of Galactic Holdings and led by CEO Maggie Wu, was formerly known as TruBit Business. It has expanded from Latin America into the U.S. and Asia, serving hundreds of enterprise clients and processing billions in transaction volume. VelaFi's core B2B model focuses on two main services: providing regulated on/off ramps for converting between local fiat and stablecoins, and facilitating cross-border payments by converting one local currency directly into another (e.g., Mexican Pesos to Brazilian Reals). It achieves this by integrating with local instant payment systems like Mexico's SPEI and Brazil's PIX, using stablecoins as a settlement layer to create a faster, more efficient alternative to traditional banking channels.

marsbit01/14 10:40

Alibaba Invested in a Latin American Stablecoin Company, Why VelaFi?

marsbit01/14 10:40

67% Of Ethereum Stablecoin Transfers Are P2P, Yet Institutions Dominate Volume

A new analysis of Ethereum stablecoin transactions reveals that while peer-to-peer (P2P) transfers dominate in frequency, institutional activity accounts for the vast majority of transaction volume. According to data shared by an Ethereum Foundation member, 67% of USDT and USDC transfers on the Ethereum network from August 2024 to 2025 were P2P, typically associated with retail users. However, these transfers represented only 24% of the total volume. In contrast, business-related transactions—including business-to-business (B2B), internal business moves, and person-to-business (P2B) transfers—made up just 33% of transaction count but a dominant 76% of the volume. The data, sourced from Artemis, focused exclusively on USDT and USDC transfer transactions, excluding mints, burns, or cross-chain transfers. Ethereum remains the leading network for stablecoins, hosting over 50% of the global supply. Meanwhile, ETH’s price briefly recovered above $3,000 before pulling back to around $2,950.

bitcoinist12/24 10:04

67% Of Ethereum Stablecoin Transfers Are P2P, Yet Institutions Dominate Volume

bitcoinist12/24 10:04

1,000 Wallets Contribute 85% of Transaction Volume: Stablecoin Payments Are More Centralized Than You Think

This report analyzes stablecoin payment usage on the Ethereum network, focusing on USDT and USDC, which comprise 88% of the market. Using a filtering method to distinguish payments from other activities like DeFi, the study defines payments as transfers between externally owned accounts (EOAs). Key findings indicate that payments (EOA-to-EOA transactions) account for 47% of total stablecoin transfer volume. When further classified using wallet labels, only 23.7% of payment volume is attributed to person-to-person (P2P) transactions, while business-to-business (B2B) and internal business transfers dominate. The data also reveals significant transaction volume concentration, with the top 1,000 wallets contributing approximately 84% of all stablecoin volume. The analysis highlights challenges in identifying genuine P2P activity due to potential fake transactions, wallet mislabeling, and the prevalence of intermediary-driven "stablecoin sandwich" models. Despite growing adoption, the findings suggest that stablecoin payments remain highly centralized and institution-driven rather than being widely used for decentralized peer-to-peer transactions.

深潮12/22 06:20

1,000 Wallets Contribute 85% of Transaction Volume: Stablecoin Payments Are More Centralized Than You Think

深潮12/22 06:20

"Fat Apps" Are Dead, Welcome to the Era of "Fat Distribution"

The article "Fat Apps Are Dead, Welcome to the Era of Fat Distribution" argues that crypto applications are becoming commoditized infrastructure, shifting value from the applications themselves to the distribution channels and front-end interfaces that control user access. The author traces the evolution of value accumulation theories in crypto, from the 2016 "Fat Protocol" thesis (value accrues to base layers like Ethereum) to the 2022 "Fat App" thesis (value accrues to applications like Uniswap that built liquidity and user experience). By 2025, the thesis has shifted again. Excessive investment in infrastructure has led to diminishing returns; technical improvements (e.g., minor reductions in oracle costs or interest rate optimizations) are now imperceptible to end-users. Users prioritize familiar interfaces over marginally better backend performance. Consequently, applications like Aave and Morpho are increasingly focusing on B2B partnerships, embedding their services as backends within other platforms (e.g., traditional fintech apps like Robinhood). The author posits that convincing an existing platform to integrate a feature is far easier than onboarding millions of new users to complex, native crypto workflows. A case study illustrates this: Coinbase directs its users' borrowing activity to Morpho on Base, even though competitors offer better rates, because the seamless, integrated user experience within the Coinbase app is more valuable to customers than optimizing for cost. The article concludes that while some apps will remain B2C, the new competitive moat is no longer liquidity or crypto-native UX, but rather control over distribution. The platforms that own the front-end and user relationships will capture the majority of the value.

marsbit12/19 07:55

"Fat Apps" Are Dead, Welcome to the Era of "Fat Distribution"

marsbit12/19 07:55

Web3 Inside and Outside the Great Wall: The Triple Impact and Solutions for Chinese Entrepreneurs

Chinese Web3 entrepreneurs, once dominant in the crypto industry with leading exchanges and mining ventures, have seen their global influence decline significantly since the DeFi Summer of 2020. This shift stems from three major challenges: stringent regulatory crackdowns in China, which dismantled local ecosystems and forced migration overseas; a structural bias in venture capital favoring Western projects due to compliance advantages and better exit opportunities; and a mismatch in skill sets, as many Chinese developers excel in B2C applications rather than the infrastructure-focused B2B nature of recent Web3 development. While culturally diverse founders like Hyperliquid’s Jeff Yan show that Chinese-background innovators can still succeed, they often do so by integrating into Western cultural and operational frameworks. The future of crypto entrepreneurship will depend less on geographic origin and more on cross-cultural collaboration, long-term technical commitment, and adaptive resilience in a rapidly evolving regulatory landscape.

marsbit12/17 09:04

Web3 Inside and Outside the Great Wall: The Triple Impact and Solutions for Chinese Entrepreneurs

marsbit12/17 09:04

A16z Investor Partner: By 2026, Venture Capital Will Absorb Private Equity, Main Reason: AI Enables Cost Reduction and Efficiency Improvement

Troy Kirwin, an investor partner at A16z, argues that AI is rapidly erasing the traditional boundaries between venture capital (VC) and private equity (PE). Historically, these two sectors operated in separate worlds: VC in San Francisco focused on high-growth tech and large markets, while PE in New York prioritized stable cash flows and human-intensive services. AI is now the catalyst for convergence. Previously, B2B startups struggled to penetrate mid-market—industries like field services, IT outsourcing, and accounting—due to thin margins, high labor costs, and low IT budgets. AI is making these industries ripe for disruption and reinvention. Kirwin outlines three key collision paths: 1) PE funds are becoming channel partners, deploying AI across their portfolios; 2) PE portfolios are serving as "idea menus" for new startups; and 3) VC-backed AI platforms are moving beyond software to acquire traditional service businesses, enabling end-to-end integration, higher margins, and AI-native transformation. The conclusion is that the two distinct financial universes are merging.

marsbit12/12 03:54

A16z Investor Partner: By 2026, Venture Capital Will Absorb Private Equity, Main Reason: AI Enables Cost Reduction and Efficiency Improvement

marsbit12/12 03:54

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